What to do if you’ve been involved in a road accident
The Road Accident Fund is a state-supported insurance fund that provides cover to all road users in South Africa in the event of a road accident.
If you or a family member have been in a serious motor vehicle accident because one of the drivers was negligent, you may be eligible to claim from the Road Accident Fund (RAF).
The RAF is a publicly accessible fund set up to provide monetary compensation to those who have suffered injuries as a result of an accident on public roads.
This means that even if the driver of the car doesn't have insurance, people injured in the accident (or the loved ones of people killed in the accident) can receive payment from the fund to help pay medical expenses and to compensate for wages they may have lost as a result of the accident.
The fund is financed by a fuel levy that's included in the petrol and diesel price.
When can you not claim from the fund?
What can you get compensation for?
How to claim from the Road Accident Fund
You can claim from the Fund yourself or you can get a lawyer to claim for you, but you'll have to pay for their services.
You must claim within 3 years of the date of the accident if you know who caused the accident. If you don't know who the driver or owner of the vehicle was that caused the accident, you need to claim within 2 years.
To claim, you need to complete and sign the appropriate claim form (Form 1 is to be used in respect of claims before 1 August 2008 and RAF 1 from 1 August 2008 onwards).
You will need the following to make a claim
You must provide details of the accident to the RAF on a statutory accident report form (RAF 3) together with information of witnesses which the RAF may request.
It’s important to make sure that all the documents are filled in correctly. It’s recommended to make copies of all your documents in case there’s an administration error.
Once you have completed all the necessary forms and accompanying documents, you must submit the documents in hard-copy, faxed documents require the originals to be furnished. Emailed documents won’t be accepted.
If the claim arose after the 31 July 2008 and general damages are claimed, a Serious Injury Assessment Report (RAF 4) must be submitted to the RAF to confirm that the injury sustained is serious.
Once your claim is processed, the legal proceedings will begin, and the evidence will be considered and reviewed by the RAF.
Frequently Asked Questions (FAQs)
Listed below are some of the most frequently asked questions to the RAF, grouped in their respective categories:
Where do you lodge a claim?
You can lodge your claim and find out more information from the official RAF website, or at the RAF offices in Cape Town:
Seventh Floor, No. 1 Thibault Square, Long Street, Cape Town, 8001
Tel: 021 408 3300
- Road Accident Fund Act (Act) (File type: pdf; size: 52.34 KB)